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Who we are
- Composition of the Board
- Key figures
- ING at a glance
- Letter to stakeholders
- Information for shareholders
Consolidated annual accounts
- Consolidated balance sheet
- Consolidated profit and loss account
- Consolidated statement of cash flows
- Consolidated statement of changes in equity
- Accounting policies for the consolidated balance sheet and profit and loss account
- Authorisation of annual accounts
- Basis of presentation
- Critical accounting policies
- Principles of valuation and determination of results
- Consolidation
- Use of estimates and assumptions
- Segmental reporting
- Analysis of insurance business
- Foreign currency translation
- Fair values of financial assets and liabilities
- Financial assets
- Classification of financial instruments
- Derivatives and hedge accounting
- Offsetting of financial assets and financial liabilities
- Repurchase transactions and reverse repurchase transactions
- Impairments of loans and advances to customers (Loan loss provisions)
- Impairment of other financial assets
- Investments in associates
- Real estate investments
- Property and equipment
- Leases
- Purchase accounting, goodwill and other intangible assets
- Deferred acquisition costs
- Taxation
- Financial liabilities
- Insurance, investment and reinsurance contracts
- Other liabilities
- Income recognition
- Expense recognition
- Earnings per ordinary share
- Fiduciary activities
- Accounting policies for the consolidated statement of cash flows
- Notes to the consolidated balance sheet
- Assets
- 1 Cash and balances with central banks
- 2 Amounts due from banks
- 3 Financial assets at fair value through profit and loss
- 4 Investments
- 5 Loans and advances to customers
- 6 Investments in associates
- 7 Real estate investments
- 8 Property and equipment
- 9 Intangible assets
- 10 Deferred acquisition costs
- 11 Other assets
- Equity
- Liabilities
- 13 Preference shares
- 14 Subordinated loans
- 15 Debt securities in issue
- 16 Other borrowed funds
- 17 Insurance, reinsurance and investments contracts
- 18 Amounts due to banks
- 19 Customer deposits and other funds on deposit
- 20 Financial liabilities at fair value through profit and loss
- 21 Other liabilities
- Assets
- Additional information to the consolidated balance sheet
- 22 Assets and liabilities by contractual maturity
- 23 Derivatives and hedge accounting
- 24 Maximum credit exposure
- 25 Assets not freely disposable
- 26 Contingent liabilities and commitments
- 27 Special purpose entities and securitisation
- 28 Principal subsidiaries
- 29 Companies acquired and companies disposed
- 30 Legal proceedings
- 31 Joint ventures
- 32 Related parties
- 33 Fair value of financial assets and liabilities
- Notes to the consolidated profit and loss account
- 34 Interest result banking operations
- 35 Gross premium income
- 36 Investment income
- 37 Commission income
- 38 Valuation results on non-trading derivatives
- 39 Net trading income
- 40 Other income
- 41 Underwriting expenditure
- 42 Intangible amortisation and other impairments
- 43 Staff expenses
- 44 Other interest expenses
- 45 Other operating expenses
- 46 Taxation
- 47 Earnings per ordinary share
- 48 Dividend per ordinary share
- Segment reporting
- Notes to the consolidated statement of cash flows
- Risk management
- Capital management
- Subsequent events
- Authorisation of annual accounts
Report of the Executive Board
- Strategy
- Financial highlights
- Capital management
- Market conditions
- Core Tier-1 securities
- Dividend policy
- Subsequent events
- Group equity
- Key capital and leverage ratios
- Available financial resources and Economic capital
- The investment of capital and the method of charging for it
- Capital market operations
- Liquidity facilities
- Acquisitions and divestments
- Risk management
- Insurance Europe
- Insurance Americas
- Insurance Asia/Pacific
- Wholesale Banking
- Retail Banking
- ING Direct
- Asset management
- Human resources
- Corporate responsibility
Parent company annual accounts
Our Governance
- Report of the Supervisory Board
- Corporate governance
- Recent developments
- Corporate governance codes
- Capital and shares
- General meeting
- Executive board
- Information on members of the Executive Board
- Supervisory board
- Information on members of the Supervisory Board
- Financial reporting
- Change of control provisions
- Amendment of Articles of Association
- External auditors
- Report of ING Trust Office
- Report of ING Continuity Foundation
- Conformity Statement
- Section 404 Sarbanes-Oxley Act
- Remuneration report
- General policy senior management remuneration
- Remuneration Executive Board 2008
- Compensation in cash of the individual members of the Executive Board
- Long-term incentives of the individual members of the Executive Board
- Information on the options outstanding and the movements during the financial year of options held by the members of the Executive Board
- Pension costs
- Loans and advances to Executive Board members
- ING depositary receipts for shares held by members of the Executive Board
- Executive Board remuneration structure 2009
- Remuneration Supervisory Board
- Works councils
Additional information
- Other information
- Additional information (Sub)
- Risk factors
- RAROC performance
- Additional Pillar 3 information
- Introduction
- Risk Management at ING bank
- Credit risk
- Basic of presentation for credit risk
- Credit risk at ING
- Pillar 3 credit risk in practice
- Risk measurement and reporting
- The IRB method in short
- Credit risk models
- Approaches applied by the ING bank
- Exposure classes
- Credit risk exposures
- Loan loss provisions
- Portfolios under the standardised approach
- Portfolios under AIRB approach
- Securitisation
- Equity in the banking book
- Other non credit obligation assets
- Market risk
- Operational risk
- Interest rate risk in the banking books
- Financial glossary
- General information
